Group 1 - The core viewpoint of the articles emphasizes the proactive measures taken by the Industrial and Commercial Bank of China (ICBC) Yulin Branch to enhance financial services for small and micro enterprises, aligning with national strategies and contributing to local economic development [1][2] Group 2 - As of July 2025, ICBC Yulin Branch has issued over 3.5 billion yuan in inclusive loans, significantly supporting the high-quality development of the local real economy [1] - The bank has introduced innovative financing products such as "Purchase and Construction Loan," "Industrial e-Loan," and "Business Quick Loan," targeting small and micro enterprises in key industrial parks, benefiting over 200 enterprises [1] - The bank has established 12 "Xingnongtong" rural inclusive financial service points in various towns, allowing farmers and operators to access efficient financial services without leaving their villages [2] - The bank has developed specialized agricultural credit products like "Xingnong e-Loan," "Planting e-Loan," and "Breeding e-Loan" to meet the diverse financing needs of local agricultural industries [2] - As of July 2025, the bank has issued nearly 60 million yuan in loans to small and micro enterprises under the "Yushang Return" initiative, reflecting strong collaboration with local government and enterprises [2]

落实惠企政策，助力企业成长。该行客户经理主动上门开展惠企政策宣讲，确保点对点、面对面精准推 送到位。一是对经营困难的小微企业，采取不抽贷、不断贷、不压贷原则，合理运用续贷政策；二是对 正常经营贷款到期的小微企业，调研确认意向后，提前做好续贷准备工作，确保资金支持连续性；三是 落实落细"惠企贷"金融惠企贴息政策，积极宣传种类丰富、利率优惠、手续便捷等优点，着力减轻园区 小微企业的融资负担，推动小微企业稳健发展。（梁发军） 编辑：赵鼎 创新融资产品，精准服务企业。该行外拓营销团队积极深入玉林高新技术开发区、玉柴工业园区、福绵 环保园区、陆川产业园区等7个重点园区进行全覆盖摸排，通过对企业生产经营规模、负债情况、融资 需求等方面的综合分析，从中找出优质客户，有针对性地开展园区融资场景创新产品推广：针对新建园 区及入园企业购置机器设备、建造厂房等需求，重点推广"购建贷"产品，延长还款周期，适配企业投资 回收期，有效缓解初创期资金压力；面向成熟园区企业，大力推广线上化、便捷化循环贷款产品"工业e 贷"，随借随还优势显著降低融资成本；对缺乏足额抵押物的企业，积极运用"经营快贷"等小额信用贷 款产品，或引入政策性融资担保公 ...